Most Cisco equipment defaults to using Telnet, not SSH. Unless the router was specifically set up for SSH it won't work (and then usually on ly version 1).
Try HyperTerm, COM1, 9600, 8, n, 1, no handshake.
You should be using a Cisco flat eight-conductor cable (usually powder blue, though some are black) and a Cisco "serial adapter" to convert form the flat eight-conductor cable to a nine-pin serial connection to your PC. A regular jumper ("Cat5") won't work ... it has to be a "rolled" cable where pin 1 goes to pin 8, pin 2 goes to pin 7, pin3 goes to pin 6 (etc).
If you're using something like "PuTTY" for a term program, just tell it to "telnet" instead of SSH for the protocol.
If the router is indeed set up for SSH, then use SSH1, DES (or 3DES), and "password" (versus public key).
Good Luck
Scott